# Roadmap

### 2025 Q4

1. Web3 Card System Upgrade: Apple Pay / Google Pay one‑tap provisioning\
   \
   Deliverables: One‑tap virtual card binding (Apple Pay/Google Pay/QR Pay), fast top‑up (MY/USDT), instant usability.\
   \
   KPIs: Card‑open conversion +15% | FTR ≥ 35% | failure rate < 2%.\
   \
   Dependencies/Compliance: Issuer & rails, BIN whitelisting, regional rollout with risk alignment.<br>
2. Multi‑country fiat rails (20+ countries)\
   \
   Deliverables: Local acquiring/settlement & FX routing; per‑country limits/fees.\
   \
   KPIs: Countries ≥ 20 | MAPU geo spread +30% | chargebacks < 0.5%.\
   \
   Dependencies: Redundant PSP/settlement partners; KYC/KYB tiers; tax & invoicing.<br>
3. “Relationship Leaderboards” (tips & interaction points visualization)\
   \
   Deliverables: Fan/support/influence leaderboards; linked to memberships.\
   \
   KPIs: Live GMV +20% | creator ARPPU +15% | daily interactions +18%.\
   \
   Abuse control: Sybil detection, anomalous gifts circuit‑breakers, de‑noising.<br>
4. Open APIs\
   \
   Deliverables: Payments receipts, behavior tracking, rebate issuance, quest redemption, NFT issuing (Webhooks/SaaS Console).\
   \
   KPIs: ≥ 50 new integrations/month | external‑source GMV ≥ 10%.\
   \
   Governance: Limits/permissions/rates; developer settlement & audit proofs.

### 2026 H1

5. “Payment Reputation Score” (on‑chain credit)\
   \
   Deliverables: Verifiable reputation (SBT/revocable VC) from payment/ dispute history; merchant allowlists & limit optimization.\
   \
   KPIs: Chargebacks −20% | allowlisted AOV +10% | merchant fraud loss −30%.\
   \
   Privacy: Minimal identifiability; summary on‑chain; model assessments.<br>
6. Web2 entry points (Telegram, short video)\
   \
   Deliverables: Bots/minis/deep‑links for see → chat → pay flows; social tasks straight into card‑side spending.\
   \
   KPIs: External inflow ≥ 25% of MAPU | social‑to‑first‑payment ≥ 8%.\
   \
   Dependencies: Platform content/ads/pay policies; risk for anti‑astroturfing.
7. Identity tiers + customizable memberships (linked to $MY staking)\
   \
   Deliverables: Staking levels ↔ membership rights (fee discounts, limits, priority matching, creator tools).\
   \
   KPIs: Staked 8–12% of circulating | membership renewal ≥ 60%.\
   \
   Governance: On‑chain tier coefficients & multipliers; auditable & rollbackable.
8. Co‑brand/white‑label cards\
   \
   Deliverables: Sub‑brands for partners/KOLs/communities with rebate pools; reconciliation and reporting.\
   \
   KPIs: ≥ 20 partners | co‑brand GMV ≥ 15% | repurchase +10%.\
   \
   Compliance: Brand licensing, KYC/KYB, localized settlement & tax.<br>


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